| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD SUITE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 18.67% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 292216486 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 6.84% |
| BB&T BARGER INSURANCE NETWORK3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | — | $503 | $503 | 0.54% |
| FAY JETER MARTIN3 | 19220 FOREST ROAD LYNCHBURG, VA 24502 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $905 | — | $905 | 6.38% |
| JACQUELINE FAY MARTIN3 | 428 DEEP RUN ROAD CARTERSVILLE, VA 23027 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $216 | — | $216 | 1.52% |
| TEMPLE SCOTT JENKINS3 | 6550 GREEN BAY ROAD GREEN BAY, VA 23942 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $190 | — | $190 | 1.34% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS K. GAITHRIGHT, JR. | PO BOX 165 GOOCHLAND, VA 23063 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $87 | — | $87 | 0.61% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $71 | — | $71 | 0.50% |
| WANDA LEE MADDOX3 | PO BOX 346 CROZET, VA 22932 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $66 | — | $66 | 0.47% |
| DAVID W HARLESS3 Filed as: DAVID W. HARLESS | 3412 MANOR GROVE CIRCLE GLEN ALLEN, VA 23059 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $59 | — | $59 | 0.42% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R. HILL, SR. | 9701 GAYTON ROAD SUITE 6 RICHMOND, VA 23238 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $29 | — | $29 | 0.20% |
| SUSAN L COTTRELL3 Filed as: SUSAN L. COTTRELL | 79 MAHAN ROAD FARMVILLE, VA 23901 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $29 | — | $29 | 0.20% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $28 | — | $28 | 0.20% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PL. MANAKIN SABOT, VA 23103 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $27 | — | $27 | 0.19% |
| CHARLOTTE R. TINSLEY3 | 712 SW MONTGOMERY AVENUE LEES SUMMIT, MO 64081 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $19 | — | $19 | 0.13% |
| THOMAS E HATCHER JR3 Filed as: THOMAS E. HATCHER, JR. | 1588 BAYTREE DR SUITE 200 HARRELLS, NC 28444 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $14 | — | $14 | 0.10% |
| MARVIN S THOMPSON3 Filed as: MARVIN S. THOMPSON | 615 KERRI COVE CT APT 202 MIDLOTHIAN, VA 23113 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $14 | — | $14 | 0.10% |
| MARY M. MAYBERRY3 | 199 WESTRIDGE CIRCLE LYNCHBURG, VA 24502 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $8 | — | $8 | 0.06% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD SUITE 103 GLEN ALLEN, VA 23059 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $7 | — | $7 | 0.05% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $5 | — | $5 | 0.04% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $5 | — | $5 | 0.04% |
| MARY LEE NICHOLS3 | 3577 A CHAMBLEE TUCKER RD #304 ATLANTA, GA 30341 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $4 | — | $4 | 0.03% |
| PHILLIS DAWN HESLEP3 | 4805 LAKE BROOK DR GLEN ALLEN, VA 23060 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $3 | — | $3 | 0.02% |
| BENJAMIN O THOMPSON SR3 Filed as: BENJAMIN O. THOMPSON, SR. | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $3 | — | $3 | 0.02% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $2 | — | $2 | 0.01% |
| SHEILA L RAITCH3 | 5524 LIBER CT GAINSVILLE, VA 20155 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $2 | — | $2 | 0.01% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $1 | — | $1 | 0.01% |
| MICHAEL R MARTIN3 | 762 CHAPEL RIDGE DR PITTSBORO, NC 27312 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $1 | — | $1 | 0.01% |
| SABRINA ANN PARSONS3 | PO BOX 1264 POQUOSON, VA 23662 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS | $1 | — | $1 | 0.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 91 | $1.1M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 319 | $118K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 319 | $118K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $93K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $107K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $93K |
| Other(7 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 91 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.